Date Received: 2020-08-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I woke up early on the XXXX of XXXX trying to use my unemployment funds to pay bills and my card declined! Everytime I call the number on the back of the card Im sitting on the phone for hours without talking to customer service!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received 3 gift cards for {$50.00} each, but I lost them. I did not contact the company because they were a gift so I had no receipt to help me report them lost. I recently found them again in my house. I went to check the balance and it said {$0.00} on all three. All the money on my cards has been taken away by non activity fees. However, my cards are still valid, they do not expire until 2024. I called the number on the back of card to get information, but they say there is nothing they can do. They just filed a claim to the bank that issues the card, but they will not tell me how long this takes. The customer service agent just said I probably wont get it back, but I can keep calling to see if they returned the money. What kind of confusing information is this? I asked to speak to someone in charge, but they refuse to connect me to anyone above them and there is no address on their webpage, just one customer service number. There is no complaint department or anyway to contact the main office. I want to report this company because I really believe they are stealing money from consumers, with these fees on their gift cards. What is the point of buying a gift card if the company you buy it from is just going to slowly take it back until there is nothing left. I have read multiple reviews on several sites similar to mine of people buying gift cards from this company and having the money taken away. Most the reviews say the company does nothing to help. There should be a way of resolving customer issues.This just seems like a scam and it should be looked into. There should be a cap on the fees a bank can charge to gift cards, people spend hard earned money to give them as gifts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In early XXXX, I miss my payment, I gets the call from u.s bank about missing payment after 30 days, I told them I didn't received any Bill yet can you Re send it then I wait again for the statement never received I went to the branch to make a payments they told me we already reports to CRA. I said well I request the statement to pay which I never received it. Why did this. Answer was you did pay your Bill. In XXXX I request to be removed from my report, I mail in the request to one of the u.s bank that are in charge of reporting, the branch gave me the address where to be mail to, I receive tge answer without fixing the problem, in the response was all information are accurate we can't remove it. So please can you help me to fix this issues. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I Refinanced my home in XX/XX/2020 and I obtained a loan through USBANK ( LOAN # XXXX ). At that time I had my property taxes & homeowners insurance added into an impound account. In XX/XX/2020 I called USBANK to notify them that I had paid my insurance out of my pocket. I asked them to remove the payment amount from my escrow that they are collecting on a monthly basis. USBANK required me to send in an email with all the verification to show. I did so on XX/XX/2020 and USBANK responded verifying that they received the email. In the email, they stated that they would review and correct the issue. I even sent a Certified mail request on XX/XX/2020 just as backup to my email.Since then I have called several times and spent hours on the phone with them trying to get USBNAK to stop collecting the Insurance payment amount. Every time I've called they state that they are working on it and it takes 7-10 business days to resolve. The problem is that it has been 60 days since my request in writing and 61 Business days since. I would like to know why it's taking so long an where my money that they are collecting is going? Please help me resolve this issue. Thank you, XXXX XXXX XXXX XXXX USBANK ( LOAN # XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I noticed a charge on my card for {$190.00} from XXXX XXXX California on XX/XX/2020. I called to start a fraud claim. I didn't cancel the card then because I wanted to transfer the funds to another account. XX/XX/XXXX, my bank was closed so I transferred the funds via the website. I did not want to transfer the funds that way but had no choice. The gentleman that answered the call canceled the card and transferred me to the fraud department ; who completed my request. After filing the claim another transaction from the same company hit my card this time for {$290.00}. When I called back the next day to report it I was told it was still processing and another charge for {$98.00} was also pending from the same company. I was encouraged me to still speak with the fraud department again. I held on for three hours only for the call to be released. I attempted again today and the call was released again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In XX/XX/2019 I opened a Safe debit account at US Bank In XXXX XXXX Washington. The individual who open my account assured me that there would be no monthly fee with my direct deposit and for the first three months there was no fee charged. Then they begin charging XXXX per month and when I asked I was told if this person did not know what they were doing when they open the account and that all their accounts Had monthly user fees Associated with them. So unhappy that I was I excepted this. Then this year, In XXXX my account went into over Draft status Due to this monthly users fee. The bank sent an email stating that because of COVID-19 they were depositing the overdraft fee that they had charged my account ( even though I had been told that this was a safe debit account and that overdraft fees were not charged and were not allowed when I opened it ) and the monthly fee that they had charged my account to bring my account to XXXX so that I could access the full amount of my economic stimulus payment. They said that this was not a loan and I did not have to pay this back. I did not ask for this money my economic stimulus payment wouldve covered their fees wrong and probably illegal though they were and I wouldve accessed the remainder of my stimulus check. 60 days later they took the money back out and left my account overdrafted in the amount of XXXX something dollars. Once again they sent their letter saying the temporary Covid relief fund that they put in my account for being taken back up I had never asked for this money they said it was in alone and I didnt have to pay back yet they put it Into my account and then took it back out Its supposed to have been a safe debit account not incurring monthly fees and not incurring overdraft fees. Didnt use my account for the next 30 days because it was overdrafted and I cashed my checks at the bank they were draw on Then Department Of Retirement Systems was converting my retirement money to a disability retirement and I needed to fill out my direct deposit form so that I could have this amount deposited directly into my bank account. This is when I discovered that my account was closed in charge of the of an additional {$30.00} was charged to my account. So on an account that wasnt supposed to be allowed to incur fees because of the XXXX that they charged two times that overdrafted my account and the overdraft fee they charged my account and the charge off they charged my account Hey now wanted {$75.00} paid before they would reopen my account. I went to another bank and attempted to open an account, I was informed by XXXX XXXX, but I could not open an account anywhere. I feel I was lied to about monthly fees I was lied to about overdraft fees and I dont care how much theyre tiny print on their disclosures covers their asses- do people who cant read the fine print and dont understand it- ( I XXXX is a XXXX XXXX ) -dont read the tiny print and disclosures they trust the people who open their accounts. No I cant get a bank account anywhere and my lump sum retirement money has nowhere to go I cant receive it. I tried sense to open an account at XXXX XXXX XXXX and at XXXX XXXX unsuccessfully. Can you please help with this I need to have a bank account other than my XXXX account where my Social Security goes So that people The government with my Social Security check are able to deposit money into my account Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98362
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I deposited a payroll check in the amount of {$760.00} through US bank mobile app. The first day the bank gives you {$200.00} then after the check clears you get the rest of the money. The next day I got the rest of the funds so I thought the check was good. A few days later that same week I look at my account and had a negative balance of {$710.00}. I called US bank to see what happened and was told the check had a problem so they said take the check into the bank and see if it can be resolved. The manager of the bank said the check was fraudulent. US bank closed my account and they told me I can never open an account with US bank anywhere. I asked can I talk to someone in the fraud department but they said no. Once a check goes fraud then there is nothing I can do. All I did was deposit a minimum wage check with XXXX XXXX XXXX XXXX printed on it I received from my employer. I found out that when my employer opened this account with XXXX XXXX XXXX XXXX it was a new account and had a 24 hour hold on the account. My check came in this hold period so XXXX XXXX XXXX XXXX didn't honor the check. My new employer and me wants to know where is the fraud? My name is now defamed and soon my credit and reputation will suffer. I have a new bank now in XXXX XXXX XXXX XXXX. Before I open this account I told them what happened to me with US bank making me a fraudulent customer. They thank me for my honesty and they open my account. I gave back US Bank the negative balance hoping I could save my account but to no avail. I had a hard time giving the US bank back its {$710.00} but they took it. Then I asked for my {$70.00} in my savings account and then close my account. I had a hard time getting back my {$70.00}. I have been open and upfront with honesty but now I am a fraud. I want my good name back. I also keep thinking if the payroll check was bad then why did US bank give all the funds written on the check the next day? Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for an account, they said if I leave XXXX in there for 60 days theyll give me {$200.00} but the money was never credited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Closed on construction loan for a house. House is complete. The bank never set up an escrow account for home insurance to be paid. Over a month later And countless emails and phone calls and the escrow account is still not set up. I receive a letter in the mail saying I need to deposit {$370.00} in to my escrow account then I get a check in the mail for escrow overage of {$330.00}. Im getting tossed around and nothing is getting settled. I have dont my due diligence to get this fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: We had recently made the decision to relocate outside of the US and subsequently need to end our leased vehicle contract 15 months early. We accept there is a penalty for doing this and were willing to pay all remaining lease payments and the final balloon payment. We approached XXXX to value the vehicle and agreed to sell it at the price quoted, but when they tried to get a closing payment information from US Bank, US Bank used every excuse they could not to provide any information and refused to have a conference call with myself and XXXX to address any issues they may have. I was informed of these actions by XXXX and contacted US bank myself. Unfortunately, after 3 attempts and being cut-off by the bank 3 times i was able to get through to the Lease department. I was informed that as there were still more than 12 months remaining on the lease with the account locked and nobody would be able to provide me with any data. I referred to the lease contract where there are no stipulations regarding a minimum 12 month period. To which the response was, an early termination is considered a reposession and we would be in default of contract. I responded referencing the early termination clause for which there is no reference to a 12 month timeframe and advised their automated system provides a closing number to customers, so surely it couldn't be that difficult! After some discussion i was advised that i would only be able to purchase the vehicle myself and the title documents would be at least 6 weeks to be processed. When pushed to understand why they would not allow the sale to XXXX i was advised they would only consider it if we were to purchase of another vehicle. It was clear this conversation was going nowhere so i requested the number to make a formal complaint, i was given a number that does not exist or be accessed. I subsequently called US Bank customer services three times and requested to make a formal complaint and on each occasion the phone line was cutoff by US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A